Updated · Mike Certo, NMLS #260555
Georgia Real Estate Agent Lender Partner
Georgia real estate agents work in an attorney-state where lender + attorney + agent + title insurance coordination determines whether a deal closes on time. Mike Certo helps Georgia agents close the deals other lenders walk away from, with strong attorney-coordination habits.
Why Georgia real estate agents refer to Mike
- Attorney-closing coordination: Mike works with Georgia closing attorneys consistently — pre-clearing title issues, confirming wire timing, hitting recording deadlines.
- CCBS rescue: Buyer's offer is Contract Contingent on Buyer Sale. Mike's bridge structure removes the contingency.
- Self-employed Georgia buyers: NonQM bank statement, P&L only, asset qualifier — Georgia has high self-employed buyer concentration in Atlanta metro.
- Jumbo Georgia buyers: Full-doc, alt-doc, super-jumbo, Medical Professionals jumbo for Atlanta-area physicians (Emory, Piedmont, Northside, CHOA).
- VA buyers: Georgia has heavy veteran presence — Fort Eisenhower (Augusta), Fort Benning (Columbus), Robins Air Force Base, Atlanta veteran corridors. Mike has high VA loan experience.
- Investor and STR financing: DSCR financing for Georgia rental property.
Attorney coordination playbook
- At contract: agent confirms closing attorney; agent shares attorney contact with Mike
- Underwriting: Mike preps file with attorney-coordination notes
- Title work: attorney begins title search; flags issues early
- Clear-to-close: Mike sends complete loan package to attorney 48+ hours before closing
- Closing day: Mike confirms wire ETA with attorney; attorney confirms recording post-signing
Georgia VA deal specifics
Georgia has the 8th-largest veteran population in the US. Major military installations include:
- Fort Eisenhower (formerly Fort Gordon) in Augusta — Army Signal Corps + Cyber Command
- Fort Benning in Columbus — Army Maneuver Center of Excellence
- Robins Air Force Base in Warner Robins — Air Force Materiel Command
- Atlanta metro — large dispersed veteran population
Mike handles VA refinance, IRRRL, VA cash-out, and VA purchase loans across all Georgia VA-eligible scenarios.
RESPA-compliant co-marketing
Mike co-markets with Georgia real estate agents in RESPA-safe ways:
- Joint educational content (with proper attribution)
- Shared community engagement (open houses, agent-buyer education)
- Appropriate fair-market-value cost-sharing arrangements documented per RESPA standards
What we do NOT do: kickbacks, things of value in exchange for referrals, or any arrangement that violates RESPA Section 8.
Communication expectations
- 20-minute initial scenario review (not a 5-day callback)
- Pre-approval letters in 3-7 days after document submission
- Direct loan-officer access throughout the file — not a call-center experience
- Real-time loan status updates so agents know where each file stands
- Coordination with Georgia closing attorneys on timing and wire
Submit a scenario
If you have a Georgia buyer scenario you'd like Mike to review, submit through the form below or call. Most scenarios get a yes/no/maybe answer within the 20-minute initial call.
Related
FAQ
Does Mike work with all Georgia real estate agents?
Yes. Mike works with any Georgia real estate agent representing a buyer who needs Cornerstone financing. No exclusive arrangements required.
Can Mike work with the buyer's preferred Georgia closing attorney?
Yes — Mike works with whichever closing attorney the buyer/agent selects. Mike maintains good working relationships with attorneys across Georgia.
How fast can Mike issue a pre-approval letter on a CCBS rescue?
Typically 3-7 days after complete buyer documents arrive.
Does Mike work statewide Georgia or just specific regions?
Statewide. Mike has worked files in Atlanta metro, Augusta, Columbus, Savannah, Macon, and rural Georgia.